> cannot use discretion in deciding who he gets to forgive for loans You present this as though it doesn't make sense, but as far as the federal government is

> cannot use discretion in deciding who he gets to forgive for loans You present this as though it doesn't make sense, but as far as the federal government is concerned forgiving a debt is spending (which is why the IRS will tax you for forgiven debts, income is the other side of spending). And spending is explicitly under Congress's authority.